Our Home Repair Program partners with low-income homeowners who need help to maintain and perform necessary repairs on their homes, allowing them to reclaim their homes with pride and dignity.

In keeping with the Habitat principles of payback, sweat equity, and education, our Helping Hands Repair Program empowers homeowners to remain at home for as long as they choose. Eligible families make 80% or less of the area median income, own their own home, and have resided in the home as their primary residence for more than one year. Cost of the repair is calculated on an income-based sliding scale and repaid at 0% interest, making home repair affordable.

On a community level, the repair program helps revitalize the appearance of the neighborhood, strengthen connections within the community and helps preserve affordable housing stock. Repair program services may include exterior painting, weatherization, roof repairs, and accessibility improvements, along with other critical health and safety home repairs.

How to qualify for a Habitat home repair

Thank you for your interest in our Home Repair Program.

Residency
Applicant must own and occupy a home located in the current Habitat Choptank Repair Program Service Area. Additionally, homeowner should be current on mortgage payment, homeowner insurance and property tax payments. Applicant must have lived in the home for a minimum of one year.

Housing Need
Eligible home must have health or safety related repair need.

Qualifying Income
Applicants must meet income guidelines which are up to 80% of the HUD Median Income based on county of residence and household size.

Household Members
1
2
3
4
5
6
2020 Gross Annual Income Limit-Dorchester
40,350
46,100
51,850
57,600
62,250
66,850
2020 Gross Annual Income Limit-Talbot
48,950
55,950
62,950
69,900
75,500
81,100

Affordability
A portion of the cost of repair will be paid back on an income based sliding scale, repaid at 0% interest. Payment term designed to ensure affordability.

Screenings
Applicant will be screened through the National Sex Offender Registry and complete a criminal background check.

What does partnership look like for the homeowner family?

One of the most vital elements of the Habitat mission is the partnership between homeowners and Habitat for Humanity Choptank. As a partner with Habitat you actively participate in the Home Repair Program through sweat equity, homeowner information workshops, and financial responsibility.

“Sweat equity” refers to the actual hands-on involvement of partner families. Families have an opportunity through sweat equity to invest physically and emotionally in their home repair as well as the mission of Habitat.

Habitat Choptank offers educational opportunities for homeowners, including hands on workshops, preventative maintenance, and tips for staying in your home as you age. Workshops vary to meet the needs of the homeowner.

The third component of partnership is financial responsibility. Repayment requirements are based on predetermined income guidelines, for homeowners whose income is below 80% of Median Adjusted Income for the County of Residence.

If you are interested in our home repair program, please contact our Family Services Coordinator at 410-476-3204 x305 or familyservices@habitatchoptank.org  or complete the form below.

 

Home Repair Inquiry Form

Your interest in partnering with Habitat Choptank could be a big first step to a brighter future. If you are interested in more information about partnership with Habitat, please complete this form. The information will be emailed to our Family Services Coordinator.